Discuss health insurance regulation in the United States, being sure to include both state and federal...
Discuss health insurance regulation in the United States, being sure to include both state and federal regulations. What happens in the event that state and federal health insurance regulations conflict?
Homework Answers
Ans) Under current state regulation of health insurance and federal regulation of health benefits, the states continue to exercise regulatory control over those core activities that are recognized as the business of insurance.
- Through ERISA and other federal laws, the federal government retains jurisdiction over employee health benefit plans.
- The intersection of these competing regulatory schemes is defined by the ERISA preemption clause, a circumstance that, in the eyes of some, leaves important aspects of employee health benefits insufficiently defined in law.
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